953 Spruce Glen, Morrow, OH 45152 Property Records

Warren County property record for 953 Spruce Glen, Morrow, OH 45152

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,986 sqft · built 2008
Lot Size	0.294 acres (12,798 sqft)
Owner	2 Individual Names on Record
Last Sale	$303,000 (Apr 2019)
Tax Bill	$6,701 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17-36-458-037-0`

Property Details

APN / Parcel Number

Primary APN	`17-36-458-037-0`
Alternative APNs	`1736458037` `2634979`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	3,986 sqft Living Area
Gross Area	4,282 sqft
1st Floor Area	738 sqft
2nd Floor Area	1,294 sqft
Basement Area	660 sqft
Finished Basement	660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Lot Area	12,798 sqft (0.294 acres)
Garage Type	Attached
Garage Area	296 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	2634979
Street Address	953 SPRUCE GLN
City	MORROW
State	OH
Zip	45152-7933
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THORNTON GROVE 4-1 LOT 85
Legal Subdivision	THORNTON GROVE 4-1
Legal Block	979
Legal Lot Number	85
Jurisdiction	WARREN OH
Township / Civil Division	HAMILTON
Census Block Group	1
Census Block	1006
Census Tract	32205

Owner

Source: Warren County records, as of June 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	953 SPRUCE GLN, MORROW, OH 45152-7933
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Sep 17, 2025	Deed of Trust, Mortgage · FHA Mortgage LOWER LLC
Aug 22, 2023	Deed of Trust, Mortgage · FHA Mortgage LOWER LLC
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage VAN DYK MORTGAGE CORP
Apr 1, 2019	Warranty Deed, Transfer · FHA Mortgage VAN DYK MORTGAGE CORP
Jan 14, 2019	Trustee's Deed, Construction Loan · Construction Mortgage THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2019 · Amount on Record
Deed Sale	Apr 1, 2019 · Amount on Record
Prior Sale	Sep 4, 2008 · Amount on Record
Deed Document Number	20197727
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Recording Date	Jun 1, 2026
Property Address	953 SPRUCE GLN, MORROW, OH 45152-7933
Document Number	0000014692
Instrument Date	May 26, 2026
Instrument	202614692
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	953 SPRUCE GLN, MORROW, OH 45152-7933

Mortgage

Document Number	0000014692,
Date	Jun 1, 2026
Instrument	202614692

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	953 SPRUCE GLN, MORROW, OH 45152-7933
Transaction Type	Mortgage
Record Updated	Oct 1, 2025
Title Company	SUMMIT TITLE SERVICES LLC, SUMMIT STLMT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	953 SPRUCE GLN, MORROW, OH 45152-7933

Mortgage

Document Number	0000023135
Date	Sep 17, 2025
Instrument	2025-023135

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	953 SPRUCE GLN, MORROW, OH 45152-7933
Transaction Type	Mortgage
Record Updated	Sep 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017654
Date	Aug 22, 2023
Instrument	2023-017654

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN OH
Property Address	953 SPRUCE GLN, MORROW, OH 45152-7933
Transaction Type	Mortgage
Record Updated	Sep 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021040031
Date	Sep 2, 2021
Instrument	2021-040031

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WARREN OH
Recording Date	Apr 1, 2019
Property Address	953 SPRUCE GLN, MORROW, OH 45152-7933
Document Number	0000007727
Map Reference	MB 64 PG 14&15
Instrument Date	Mar 26, 2019
Instrument	2019-007727
Transaction Type	Transfer
Record Updated	May 20, 2022
Title Company	LAWYERS TITLE OF CINCINNATI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	953 SPRUCE GLN, MORROW, OH 45152-7933

Mortgage

Document Number	0000007728
Date	Apr 1, 2019
Instrument	2019-007728

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

January 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WARREN OH
Recording Date	Jan 14, 2019
Property Address	953 SPRUCE GLN, MORROW, OH 45152-7933
Instrument Date	Jan 4, 2019
Instrument	1060
Transaction Type	Construction Loan
Record Updated	Jan 31, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	953 SPRUCE GLN MORROW OH 451527933, MORROW, OH 45152-7933

Mortgage

Document Number	0000001060
Date	Jan 14, 2019
Instrument	1060

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 13, 2020

Tax Assessment & Valuation

Source: Warren County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Warren County
County Subdivision	Hamilton Township
Unified School District	Little Miami Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,701.00 (+10.58%)	$151,380 (+23.95%) Land $28,000 Building $123,380	$432,520 (+23.95%) Land $80,000 Building $352,520
2023	$6,060.00 (+1.34%) Homeowner's exemption	$122,133 (-) Land $12,915 Building $109,218
2022	$5,980.00 Homeowner's exemption	$122,133 Land $12,915 Building $109,218	$348,950 (-) Land $36,900 Building $312,050
2021			$348,950 Land $36,900 Building $312,050

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WARREN COUNTY serves 99,000 people · EPA ID OH8301512
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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